Flood
When rising water threatens your property, flood insurance helps cover costly damage and repairs. Offered through NFIP/FEMA.
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What's covered. And everything else.
Covered
- Structural damage to your home (including walls, floors, and foundation)
- Electrical, plumbing, heating, and air conditioning systems
- Built-in appliances like dishwashers and water heaters
- Personal belongings (up to the policy limits)
- Detached structures like garages or sheds
- Cleanup and debris removal after a flood
- Costs to replace flooring, drywall, and insulation damaged by floodwater
Not covered
- Damage caused by moisture, mildew, or mold that could have been avoided
- Damage to vehicles, including boats and cars
- Currency, precious metals, and valuable papers (like stocks or documents)
- Temporary housing or living expenses during repairs
- Damage to landscaping, trees, shrubs, or lawns
- Underground structures such as septic systems or wells
- Financial losses due to business interruption
- Personal belongings kept in basements or below ground level may have limited coverage
And answers.
Common questions. And answers.
Why do I need flood insurance if I already have homeowners or renters insurance?
While homeowners or renters insurance protects you from many risks, it doesn’t cover flood damage — and floods can happen anywhere, not just near rivers or coasts. Without flood insurance, you could be left paying thousands out of pocket to repair your home and replace your belongings.
Do flood insurance policies expire?
Yes, flood insurance policies usually last for one year. To keep your coverage active without any gaps, reach out to your agent to renew before it expires. Staying up to date ensures you’re always prepared in case of flooding.
Is there a waiting period for my coverage to begin?
Yes, there is usually a waiting period before your flood insurance coverage starts — for most policies, it’s 30 days from the purchase date. It’s a good idea to set up your policy early, before any flood threat, to make sure you’re protected.
Does flood insurance cover temporary living expenses if my home is uninhabitable?
Flood insurance usually does not cover temporary living expenses. It mainly covers physical damage to your home and belongings. For help with living costs, check if your homeowners or renters insurance offers extra coverage or consider a separate policy.
Can I get flood insurance if I don’t live in a high-risk flood zone?
Absolutely! Flood insurance is available no matter where you live, even outside high-risk flood zones. Since floods can happen anywhere, it’s a great way to stay protected and worry less.
Available Discounts:
- Community Rating System (CRS)
- Mitigation-related discounts
- Newly Mapped discount
Discounts vary by state and program and may be subject to underwriting eligibility and filings.
Important: Coverage availability, terms, limits, and exclusions vary by state and program. The policy governs; this website is a high-level summary and does not modify or replace the policy.